Your business’s experience modification rating (ex-mod) directly translates to premium dollars, and risk managers and executives could benefit from a basic understanding of how ex-mods are calculated.

NORTH BAY, CALIFORNIA – The impact of new changes to workers' compensation experience modification factors that went into effect in January are only now being realized and have the potential to ...

In the construction industry, many insurance providers and general contractors look at a company’s overall safety performance when evaluating a company. One general indicator of safety performance is ...

Some contractors no doubt experienced sticker shock when their most recent workers’ compensation audit came back with a higher-than-expected Experience Modification Rate, or EMR [1], that raised their ...

CHEYENNE — The Wyoming Department of Workforce Services’ Workers’ Compensation Risk Management Team can help employers lower their Experience Modification Rating. An employer’s EMR is a direct ...